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Unless you live in New Hampshire, you are required to purchase some type of liability insurance for your vehicle. And even as a New Hampshire resident, you can expect to pay a large fee if you want to drive around without insurance—so you may find that investing in a policy saves you money at the end of the year. Here are a few things to consider when choosing a new policy and a company to purchase it from.

How much have you paid for auto insurance? According to the Insurance Information Institute, the average person spent $841.23 on auto insurance coverage in 2013. You may be wondering if you're getting your money's worth from your insurance coverage, especially if you've recently found out a neighbor or loved one is enjoying cheaper coverage. But there are plenty of reasons why their monthly premiums are much lower (or in some cases, higher) than what you're currently paying.

Depending on the state that you reside in, your child will be eligible for getting their full driver's license by the time that they reach the ages between 16 to 21. Once your child has received their full driver's license, you might feel more inclined to give them more access to the family car. In fact, you might even encourage them to drive themselves around town in order to free up some time in your schedule.

If you are a teen and have recently passed your driving test, then you may be ready to start looking at vehicles to purchase. This also means that you will need to buy auto insurance to cover yourself and others in the case of an accident. Auto insurance policies can be quite confusing, especially if you are looking at one for the first time. You may expect to see basic collision and liability coverage, but there are several other types of coverage you will need to pay for as well.

Of the 50 states, only two—New Hampshire and Virginia—do not require drivers to carry auto insurance. Insuring your car can be both expensive and a little confusing. With so many car insurance companies out there, all competing for your business, it can be hard to choose the right company and the right coverage. In this article, learn what you're paying for, surprising services your policy may offer and how to get the most out of your auto insurance coverage.

Railroads transformed the way the world traveled and conducted business. Without the railroads much of the American West would probably have remained relatively sparsely populated until much later into the 19th and 20th century. Although most commuters West of the Mississippi think of trains as a medium for delivering goods, residents on the Easter Seaboard associated them much more with moving people. Regardless of what association you have with trains, if you happen to own or lease a locomotive, you will surely need railroad liability insurance.